AUTOMOBILE INSURANCE:

Most states require you to have liability coverage on your automobile. What some people don't know is that liability only covers the other person. In order to have coverage on your car and to have money for your medical bills, you have to include other coverages.

Every person that purchases auto insurance needs to know what each coverage includes:

  • Bodily Injury Liability - this is to cover the cost of injuries the policyholder causes to someone else.
  • Property Damage Liability - pays for damage the policyholder caused to someone else's car or property.
  • Collision - damage to the policyholder's car from a collision.
  • Comprehensive - is damage to the policyholder's car that doesn't involve another car. Things that would be covered are fire, theft, and falling objects.
  • Uninsured Motorist - pays for the policy holder's injuries as a result of collision with an uninsured or underinsured driver.
  • Other coverages you can add are rental car expenses and towing expenses.

No state requires you to carry anything except liability coverage. Liability coverages can go up to 500,000. The minimum coverage for Mississippi is:

  • 25,000 per person
  • 50,000 per accident
  • 25,000 property damage

Just keep in mind that those coverages do not include protection for you or your property.

Motorcycle Insurance:

Motorcycle insurance and auto insurance have similar coverages:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Medical Payments Coverage
  • Personal Injury Coverage (also called no-fault insurance)

Other optional coverages include:

  • Uninsured and Underinsured Motorists Coverage
  • Optional Equipment Coverage
  • Towing and Labor Coverage
  • Rental Reimbursement Coverage

Here at 1st Alliance Insurance we can not only quote your cars and motorcycles but your recreational vehicles as well. For more information give us a call or go to request a quote and we will be glad to give you a call. We write through many high rated companies. These are just a few:

  • Progressive
  • Safeco
  • Metlife
  • Travelers
  • Farmers
  • Bristol West

For Olive Branch auto insurance, Southaven auto insurance or if you are in the surrounding areas, please give us a call or click on the request a quote tab for a free quote and consultation.